“公子这些钱币的图样确实新颖,别致,属下以为,此物必能流通天下,甚至中原大明也不例外”
李出源观察一番后,说道。
“只是图样是否太过花哨,而且硬币还好,纸币不也极容易仿制吗”
韩雍细细研看了一番,也说道。
“公子,这新钱币好是好,也很美观,公子也有一套严格的把关,从根源上的确可以杜绝作奸犯科,偷鸡摸狗,惟利是图之徒,只是当年宋之交子,明之铁钱,宝钞均不被百姓认同,最终连厕纸都不如,不知公子可有应对之法,若无,恐很难不步交子,宝钞后尘啊”
韩贵也说着自己的见解。
“这一点,你们大可放心,只要我们从源头上杜绝,就没人知道我们的硬币,纸币究竟是用什么材料做出来的,而且没有铸币机械,甚至没有蒸汽机带动机械,他们想做,也无从下手,更别说铝需要电解,锌需要高温还原,这目前都属于高科技范围,自然更加无人能仿制,至于花哨,我到不这么认为,正面除去花边,金额,中央钱庄和出产年岁外,也就一些人物头像,如五元是孔子孟子荀子头像,十元是秦皇汉武的头像,五十元是三皇伏羲,女娲,神农的头像,至于背面则是一些风景画而已,如五元是小桥流水图,十元是一副山峦迭起,云雾缭绕图,五十元是一副海岸海浪海鸥图,并不算太复杂啊”
刘建向众人介绍道。
“至于韩先生所言,其实交子和宝钞本身没有错,最终玩脱了一是有不法者以次充好,混淆视听,二也是滥发多发,使得货币贬值,第三,也是一个我们常常忽略的问题,那就是金融”
刘建说道。
“金属?何为金融”
韩贵一听,一脸疑惑的看着刘建。
这个词汇,自己还是第一次听说。
“金融是一个很大的概念,要想解释清楚,不是一句话两句话说得清的,如货币的发行、流通和回笼,贷款的发放和收回,存款的存入和提取,汇兑的往来等经济活动都可以说是金融,其本质是一种价值流通,是一种交易活动,其核心是一场跨时间,跨空间的价值交换,举一个简单的例子,如我们所熟悉的银票,票号,实际上就是一种金融,因为金属货币无法长距离运输,如此便有人去钱庄换取票号,银票,到地方再兑换即可,同样我们所熟悉的高利贷,借贷关系,也是一种金融,就比如甲向乙借一万两,而甲就相当于把未来的钱拿来今天用,以后再连本带息的还上,而乙则将今天的钱拿去以后用,只需收甲的本息即可,而这也是一种金融”
刘建向韩贵解释着。
“原来如此,公子这么说我便明白了,其实交子和宝钞并无问题,只是因为滥发多发,加上民间造假严重,使得民间所谓金融坍塌,比如一个鸡蛋,原本只需要三文,由于多发货币,如今需要八文,十文,甚至百文才能买一个,而且无论是交子,还是宝钞承载物均为铁钱,而铁又没有金银铜值钱,更加不受百姓待见,再加上各地搪塞,不愿收昏烂钞,于是宝钞只能越来越多,更加加剧了百姓的抵触,最后只能废除”
韩贵一脸恍然大悟的神情,跟发现了新大陆一样。
刘建听着韩贵的解释,心中暗叹。
这弄过钱庄的人就是不同啊,一点就透。
“先生所说的承载物,我将其定名为本位制,如今大明虽然以金银为主,然实际上金银不允许公开流通,故而其一开始是铁本位,之后又以铜本位甚至银本位替代,这便是我们所熟知的银两和铜钱,然而明朝不仅有中央铸钱,地方上那些藩王,士绅也有私铸者,加上铸钱时有人私自减少铜量,以次充好,参入众多杂质,于是这样的劣币便大范围流入市场,所谓劣币驱逐良币,最后的结果就是威信尽失,百姓不再相信”
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